Scapia Federal Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And Discipline.
Scapia Federal Credit Card Review:
Lifetime-Free Travel Rewards with Zero Forex Markup
introduction
The Scapia Federal Credit Card is a revolution in how Indians think about credit and travel. Issued by Federal Bank in partnership with Scapia, India's leading travel fintech platform, this lifetime-free card transforms everyday transactions into Scapia Coins—a unified rewards currency instantly redeemable for flights, hotels, trains, and buses through the Scapia app. Designed for the modern, digitally empowered Indian traveler, it combines zero forex markup, unlimited domestic airport lounge access, and intuitive app-based travel redemption into a single, fee-free experience.
key features and benefits
Welcome Benefits
- Completely lifetime free with no joining, renewal Fees—enjoy all benefits at zero cost forever.
- Instant virtual card available immediately upon approval for seamless online use, with the physical card delivered within 5–7 business days.
- Complimentary RuPay credit card issued to every primary cardholder, offering independent rewards of 5% on UPI transactions above ₹500.
Reward Structure
- Earn 10% Scapia Coins on all eligible merchant spends across India, rewarding every purchase at millions of outlets.
- Get 20% Scapia Coins on travel bookings through the Scapia app, including flights, hotels, buses, and trains, with an extra 10% bonus boost.
- Enjoy 5% rewards on RuPay UPI transactions of ₹500 or more made via popular apps like Google Pay, PhonePe, or Paytm.
Airport Lounge Access
- Enjoy unlimited access to 60+ premium airport lounges across India—relax, recharge, and travel in style every time you fly.
zero forex markup
- Experience true global freedom with zero forex markup—shop, dine, and spend internationally without paying a single extra rupee in conversion fees.
UPI Integration
- Enjoy dual-network flexibility—use VISA for international, online, and offline transactions, and RuPay for seamless UPI and domestic spends, all consolidated in a single statement.
- Activate your RuPay UPI credit card for a fully independent experience and earn 5% rewards on every UPI transaction of ₹500 or more.
Card Essential
Rewards and Benefits Analysis
- Best For: Frequent travelers, international shoppers, and UPI-first digital spenders.
- real world value example: ₹3,00,000 annual spend across flights, hotels, transit, everyday purchases, international shopping, and lounge visits can generate 48,000 Scapia coins plus lounge benefits, delivering ₹15,000–₹16,000 in total yearly value from the card.
Practical Considerations
Fees & Charges Summary
- Zero joining & annual fee.
- High revolving interest (45% p.a.).
- Convenience fees (1% + GST).
- Cash advance charges (2.5% + 45% interest).
Eligibility Criteria
- Age: 21–65 years
- Residency: Indian resident.
- Income: Minimum ₹5 lakh annual (approximately ₹42,000/month); salaried, self-employed, or business owners eligible.
- Credit Profile: CIBIL score 750+ accelerates approval; lower scores possible with strong banking relationship.
Redemption Options
Scapia App Redemption Platform:
Direct Access: No external portals or voucher codes; redeem directly within the app.
Coin Conversion: 5 Scapia Coins = ₹1
Best-Value Strategy:
Accumulate 100,000+ coins before redeeming (represents ₹20,000 value).
Prioritize Travel Bookings: Fly during off-season when prices are lower; redeem coins for peak-season flights (maximize ₹-value per coin).
Combine Coins with Cash: For a ₹80,000 trip, use 40,000 coins (₹8,000) + ₹72,000 cash to stretch wallet.
Zero Forex on Bookings: International hotels booked via Scapia app incur zero forex—extra savings layer.
Ideal User Profile
- Ideal for frequent flyers with ₹3–10 lakh annual travel spends.
- Perfect for global shoppers benefiting from zero forex fees.
- Built for UPI-first pros using app-based payments.
- Great for lounge lovers seeking comfort while traveling.
Final Thoughts
Strengths
- Truly lifetime free with zero annual, joining, or hidden fees for complete financial transparency.
- Zero forex markup saves 3–4% on international spends, ideal for travelers and foreign shoppers.
- 20% travel rewards via Scapia app deliver 4% cash equivalent value on bookings.
- Unlimited domestic lounge access to 60+ lounges.
- App-centric redemption offers instant, no-fee use within the Scapia app without vouchers or external portals.
- Dual-network VISA and RuPay supports online, offline, UPI, and international spends.
Limitations
- High revolving interest at 45% p.a. (3.75% monthly) if the balance is not paid in full.
- Coins are redeemable only for travel on the Scapia app, not for statement credit, shopping, or dining.
- Domestic lounge access only, with no international lounge benefits.
Scapia Federal Credit Card is India's best lifetime-free travel card for digital travelers, offering zero forex markup, unlimited domestic lounge access, and 20% travel rewards (4% value) via dual Visa-RuPay networks. Ideal for ₹2L+ annual travel budgets and UPI users; skip for cashback, fuel, or international lounge needs due to travel-only redemptions and high interest.
This review offers a clear and balanced overview of The Scapia Federal Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
Spending Habits And Financial Goals.
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